The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$22,525
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,225
−HK$712/mo
Today · 4.125%
HK$23,937
baseline
▲ 0.50% · 4.625%
HK$25,394
+HK$1,457/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,874/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$357,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,059
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,731
−HK$681/mo
Today · 4.125%
HK$26,412
baseline
▲ 0.50% · 4.625%
HK$27,805
+HK$1,393/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,824/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$357,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,030
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,870
−HK$855/mo
Today · 4.125%
HK$28,725
baseline
▲ 0.50% · 4.625%
HK$30,473
+HK$1,748/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,450/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,070
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,877
−HK$818/mo
Today · 4.125%
HK$31,695
baseline
▲ 0.50% · 4.625%
HK$33,366
+HK$1,671/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,390/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,535
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,516
−HK$996/mo
Today · 4.125%
HK$33,512
baseline
▲ 0.50% · 4.625%
HK$35,551
+HK$2,039/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$67,024/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,082
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,023
−HK$954/mo
Today · 4.125%
HK$36,977
baseline
▲ 0.50% · 4.625%
HK$38,926
+HK$1,949/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,954/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,545
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,806
−HK$1,281/mo
Today · 4.125%
HK$43,087
baseline
▲ 0.50% · 4.625%
HK$45,709
+HK$2,622/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$86,174/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$357,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,105
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,315
−HK$1,227/mo
Today · 4.125%
HK$47,542
baseline
▲ 0.50% · 4.625%
HK$50,048
+HK$2,506/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$95,084/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$357,817 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).